RANKING ·
Lowest efficiency ratio in Montana
17 of 41 credit unions in Montana that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Lincoln County Credit Union | Libby, MT | 37.5% | $187 million |
| 2 | Fergus Federal Credit Union | Lewistown, MT | 59.3% | $118 million |
| 3 | Grasslands Federal Credit Union | Circle, MT | 64.1% | $141 million |
| 4 | Richland Federal Credit Union | Sidney, MT | 69.2% | $119 million |
| 5 | Valley Financial Credit Union | Billings, MT | 73.9% | $601 million |
| 6 | Clearwater Federal Credit Union | Missoula, MT | 73.9% | $1.2 billion |
| 7 | Montana Federal Credit Union | Great Falls, MT | 76.0% | $362 million |
| 8 | Altana Federal Credit Union | Billings, MT | 76.4% | $668 million |
| 9 | Whitefish Credit Union Association | Whitefish, MT | 80.1% | $2.1 billion |
| 10 | 1st Liberty Federal Credit Union | Great Falls, MT | 80.3% | $214 million |
| 11 | Intrepid Credit Union | Helena, MT | 83.8% | $311 million |
| 12 | Rocky Mountain Credit Union | Helena, MT | 85.6% | $427 million |
| 13 | Billings Federal Credit Union | Billings, MT | 86.0% | $216 million |
| 14 | Park Side Financial Credit Union | Whitefish, MT | 90.2% | $390 million |
| 15 | Russell Country Federal Credit Union | Great Falls, MT | 93.6% | $131 million |
| 16 | Sky Federal Credit Union | Livingston, MT | 94.3% | $197 million |
| 17 | Southwest Montana Community Federal Credit Union | Anaconda, MT | 125.7% | $203 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings